Classic: 0.90% guaranteed flat rate bonus The Russell 2000® Index is a trademark of Russell Investments and has been licensed for use by Allianz Life Insurance Company of North America. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. It takes a well-informed and well-executed strategy to have enough money to live on in your retirement years. Get breaking news, exclusive stories, and money- making insights straight into your inbox. These indexes are benchmarks only. The death benefit increases 10% if the beneficiary chooses to take the policy proceeds over 10 years or longer. The expense charge is calculated at the time of policy issue. Annual point-to-point with a participation rate, Classic: Terms, conditions, and exclusions apply. I've never paid a … However, the only index options in the Classic allocations are – you guessed it – proprietary indices. This type of plan can be more cost effective than the purchase of two individual life insurance policies. For clients who are willing to forego the potential for a bonus in favor of higher caps and participation rates, which may result in a higher indexed interest received. Allianz LifePro+ Advantage Forms DOL COMPLIANCE CERTIFICATION ALLIANZ LIFEPRO+ ADVANTAGE LONG FORM APPLICATIONS (Excluded CA & FL) ALLIANZ LIFEPRO+ ADVANTAGE LONG FORM APPLICATIONS Please note: The Allianz Life Pro+ Elite application forms vary Allianz Life Strengthens FIUL Lineup With Launch of Life Pro+ Advantage New Fixed Index Universal Life Insurance product offers enhanced flexibility and control Business Wire MINNEAPOLIS -- … Remember that, with an external index, your policy does not directly participate in any equity or fixed income investments. You may also select fixed interest for all or a portion of your policy values. Index allocation options may be subject to a cap and/or participation rate. In the event that the Index is no longer available to the Product or Product owners, the Company may seek to replace the Index with another suitable index, although there can be no assurance that one will be available. Sound commitment? current Allianz Life Rate Watch, which can be found at www.allianzlife.com or by calling the Life Case Design Team at 800.950.7372. There are several ways to access your available cash value without incurring surrender charges: The index covers 50 stocks from 11 Eurozone countries: Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, the Netherlands, Portugal and Spain. These bonus opportunities can potentially increase the amount of indexed interest credited to your policy. - For premium up to standard premium amount: Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Allianz. Instead, you will potentially receive interest based on positive changes in the index(es) you’ve selected, subject to any caps (an upper limit on how much interest you can receive) and/or participation rates (the percentage of an index return that will be credited to your policy). AGA Service Company is the licensed producer and administrator of these plans. As you can see, there are several benefits to partnering with Allianz for your life insurance needs. Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. The expense charge is deducted from the current accumulation value for the first 15 policy years, or through age 32 for juveniles. Plan(s) Underwritten by BCS Insurance Company or Jefferson Insurance Company depending on insured’s state of residence. Credibility:Allianz is a company you can count on, with a phenomenal track record, strong credit ratings, and solid financial performance. • Blended Index: A blend of four indexes: Bloomberg Barclays US Aggregate Bond Index, Russell 2000® Index, Dow Jones Industrial Average, and EURO STOXX 50® Although an index may affect your interest credited, you cannot buy, directly participate in, or receive dividend payments from any of them through the policy. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. Introducing Allianz – Life Pro Advantage September 26, 2019 / 0 Comments / in 3 Mark Webinars Archive / by Bruce Alfredson, CLU, ChFC View the webinar recording of the Allianz webinar Dated September 25, 2019 Bloomberg or Bloomberg’s licensors own all proprietary rights in the Bloomberg US Dynamic Balance II ER Index and/or the Bloomberg US Equity Custom Futures ER Index (“Indices”). The cap is the maximum percentage of index change we use for a specified time period to determine how much interest we credit to your policy in a given contract year. We respect your privacy. The Allianz Life Pro+ Elite index menu includes a fixed-interest option, the Bloomberg US Dynamic Balance Index II, the Allianz True Balance index and the PIMCO Tactical Balanced Index. What We Offer Annuities . [Editorial queries for this story should be sent to gbn@enpublishing.co.uk]         • Policy years 1-9: 14% of premium The PIMCO Tactical Balanced ER Index is comprised of the U.S. Equity Futures Custom Index, a bond component comprised of the PIMCO Synthetic Bond ER Index and a duration overlay, and shifts weighting between them daily based on historical realized volatility of the components. 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Free College Tuition as The Ultimate Door Opener The proceeds of this policy will be paid out upon the death of the second insured. A bonus design that multiplies any annual indexed interest by 40% but also includes a 1% annual asset charge. PIMCO shall have no responsibility or liability with respect to the Product. “While regulations and markets continue to change, Allianz Life is focused on delivering innovative product solutions to help clients protect their finances and address risks both in the short and long term,” said Jason Wellmann, senior vice president of Life Insurance Distribution, Allianz Life. – Allianz Life Pro+Advantage, a IUL product, is probably the best for retirement savings purpose – The company has low complaints through the National Association of Insurance Commissioners (NAIC) – Allianz has an A+ financial strength rating with AM Best – Got the lowest two-circle rating through the J.D. Me and 3 Agents write about $4MM of target premium each year. The EURO STOXX 50® is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland (“STOXX”), Deutsche Börse Group or their licensors, which is used under license. Products:Allianz’s life insurance, annuities, and retirement tools pair well together, allowing you to work … 206 – Allianz Life Pro + Advantage IUL - $0.00. All disclaimers referenced in the Agreement relative to PIMCO also apply separately to those entities that are owners of the constituents of the Index. PIMCO disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. Indexes can have different constituents and weighting methodologies. A provider of fixed index annuities, Allianz Life is part of Allianz SE, a global company involved in the financial services industry with over 142,000 employees in more than 80 countries. MINNEAPOLIS – Dec. 14, 2020 – Allianz Life Insurance Company of North America has announced new enhancements to its Allianz Life Pro+ Advantage℠ Fixed Index Universal Life … Withdrawals in excess of premiums paid will be subject to ordinary income tax. Bloomberg does not guarantee the timeliness, accurateness or completeness of any data or information relating to the Indices, and shall not be liable in any way to Allianz, investors in the Allianz product or other third parties in respect of the use or accuracy of the Indices or any data included therein. The minimum initial premium payment is based on age, gender, risk class, death benefit, and riders, but is never less than $25/month or $300/year. MINNEAPOLIS – Dec. 14, 2020 – Allianz Life Insurance Company of North America has announced new enhancements to its Allianz Life Pro+ Advantage℠ Fixed Index Universal Life Insurance Policy. 40% bonus opportunity with 1% annual asset charge. 2 Policy loans and withdrawals will reduce the available cash value and death benefit and may cause the policy to … Allianz launches its newest IUL Accumulation product – Life Pro+ Advantage. When the insured turns 120, the death benefit equals the accumulation value. LTCi Agents, uncover the solution to the looming Medicare crisis now! Product and feature availability may vary by state and broker/dealer. This course will equip you to understand how and when to use the Allianz Life Pro + Advantage IUL product to best serve your clients. I/we are self supporting so I'm simply looking for the highest commission level as possible. Allianz Life Pro+ Advantage SMFixed Index Universal Life Insurance Policy is designed to change as your needs do, by offering important features to help through all stages of life. If the Bloomberg US Dynamic Balance II ER Index or PIMCO Tactical Balanced ER Index options are chosen, Allianz will establish the participation rate on each policy anniversary. The Bloomberg Barclays US Aggregate Custom RBI Unfunded Index is comprised of a portfolio of derivative instruments that are designed to provide exposure to U.S. Investment-grade and Treasury bond markets in excess of a benchmark rate. Like basic universal life, this policy has a death benefit that can be left to the beneficiary income-tax free, as well as paying for final expenses and other costs left behind after death. Life. Allianz Life Pro+ Advantage℠ Fixed Index Universal Life Insurance Policy. 0.90% flat rate bonus, Bonused: 3 Policy loans and withdrawals will reduce the available cash value and death benefit and may cause the policy to lapse, or affect guarantees against lapse. The Russell 2000® Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell 3000® Index, which is made up of 3,000 of the biggest U.S. stocks. 2 May not be available in all states and the name may vary by state. Allianz Life today announced the launch of the Allianz Life Pro+ Advantage℠ Fixed Index Universal Life Insurance Policy. You also have the choice of various bonus opportunities. This could be an option for clients who are willing to pay a charge in return for a higher bonus and greater indexed interest potential. In order to tune Life Pro+ Advantage IUL for maximum illustrated performance under AG 49-A, Allianz added a new suite of indices so-called Classic allocations that have a 0.9% guaranteed interest bonus in all years. Index Variable Annuities Fees. Death benefit option B (increasing): Your death benefit will be equal to the specified amount plus the accumulation value. For explanations of each rider and any potential costs and/or restrictions, see the product profile. Allianz Life Insurance Company was initially founded back in the year 1890. See how Simplicity Group is helping its agents meet with more clients.         • Policy years 1-9: 8% of premium Discover The Allianz Advantage. The index allocations that offer the interest bonus will generally have lower caps and participation rates. * Any change in the index’s value that is greater than or equal to zero will trigger a predetermined interest rate – the Trigger Interest Rate. Standard: No bonus Here’s a quick recap of some of the company’s most advantageous attributes: 1. Select: 40% multiplier bonus with a 1% annual asset charge How can the policy provide your beneficiaries with financial reassurance? Life Pro+ Advantage provides flexibility and access to the cash value via policy loans and withdrawals3 while the insured is living. Ask your financial professional for the current cap. Please refer to the Life Pro+ Advantage product profile for details on these benefits, which may be taxable. Given this company’s long tenure in the insurance marketplace, it has really built up a strong financial foundation, along with a good, solid reputation for paying out its policyholders’ claims. It is the first policy of its kind to offer Index Lock, an exclusive feature that gives your clients the ability to lock in … Can the policy help me address other financial needs. Will Vaccines Protect Against New COVID Strain? There are several ways to access your available cash value without incurring surrender charges: May not be available in all states and the name may vary by state. $0.00. Allianz products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, or PIMCO and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the PIMCO Tactical Balanced Index. This participation rate will be guaranteed to never be less than 5%. He touts it as the best as far a tax hit goes for a long-term investment. Tax laws are subject to change and you should consult a tax professional. Power 2019 Life Insurance Study The DPSC is given to you by Allianz when your contract goes into effect, although it can change. Chronic Illness Accelerated Death Benefit Rider, Terminal Illness Accelerated Death Benefit Rider. S&P® and S&P 500® are trademarks of S&P. There is a fee charged as a discount factor against every accelerated payment if the rider is exercised. Premium Deposit Fund Rider – combines all of the advantages of life insurance with the simplicity of a single lump-sum payment. By submitting a lump-sum amount to the Premium Deposit Fund, we’re able to automatically transfer your annual premium payments into your life insurance policy for you. Neither PIMCO nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to the Company with respect to the Product. For example, the outgoing Life Pro+ has been around since 2011 but got a refresh in 2015 when Allianz added a 15% bonus to credited returns after the 10 th year and funded the bonus with slightly higher initial charges. The discount factor is based on age, premium class, current cash value of the policy, and current discount factor interest rate at that time. The funding period can be designated between 3-10 policy years. Wealth Management. If you choose the monthly sum or annual point-to-point crediting method, which include caps on indexed interest, Allianz will guarantee a 100% participation rate over the life of the policy. Please Join Jeff Wick with Allianz! The EURO STOXX 50®, Europe's leading Blue-chip index for the Eurozone, provides a blue-chip representation of supersector leaders in the Eurozone.         • Policy years 10+: 4% of premium. Life Pro+ Advantage provides a death benefit that’s … This feature is available at no additional cost, but is not available in all states. The company's greatest strength is its selection of annuity solutions, although its stellar financial strength is also another strong point for it. 10/15/20 11:00 AM - 12:00 PM. If their past and present are any indicators, your life insurance is in good hands with Allianz. This brought Life Pro+ back into line with its competitors without requiring Allianz to make material adjustments to the chassis. This design multiplies any annual indexed interest by 15%. You may select index options and crediting methods in 1% increments, and change your selections on any policy anniversary. No single index allocation option will be most effective in all market environments. Bloomberg is not affiliated with Allianz Life Insurance Company of North America ("Allianz"), and does not approve, endorse, review or recommend the Allianz product. PIMCO’s Trademark(s) are trademarks of PIMCO and have been licensed for use by SPDJI and Allianz. Here are some questions they can help answer: 1 The Chronic Illness Accelerated Death Benefit Rider is included with the policy, subject to age and underwriting requirements. 1 Fees and expenses will reduce the accumulation value. How does the policy provide opportunities for tax-deferred accumulation? Because your needs and goals may change, you also have the opportunity to change your death benefit option after the first policy year. Allianz has been good to me for more than 5 years. The "PIMCO Tactical Balanced ER Index" (the "Index") is a rules-based index that tactically allocates across U.S. equity and fixed income markets using quantitative signals. The Bloomberg US Equity Custom Futures ER Index is designed to provide exposure to large-cap U.S. stocks in excess of a benchmark rate. The death benefit increase is taxable. This option can only be elected at issue. Talk to your financial professional to see if Allianz Life Pro+ Advantage is right for you. Monthly policy charge: A policy charge of $7.50 per policy will be deducted every month on the monthly anniversary. Allianz Annuities Can Be Key to Supplementing Your Future. Ask your financial professional for the current interest rate. The fixed interest rate is guaranteed to never be less the 0.1%. In other words, you are not buying shares in an index. PROTECT WHAT MATTERS TODAY. I was approached cold by a rep for Allianz about this plan (6 index universal life). It is important for you, as an agent, to understand all of the products that you can offer your clients. At the same time, Allianz Life is introducing changes that will help comply with the newest phase of Actuarial Guideline 49 (AG 49 A), which is intended to help standardize fixed index universal life (FIUL) insurance policy illustrations across the industry by establishing guidelines that are more conservative. Fixed Index Annuities Allianz Benefit Control Allianz 222 Allianz 360 Accumulation Advantage Essential Income 7 Retirement Foundation ADV Core Income 7 Index Variable Annuities . Allianz Life had in 2018 provided USD2.8bn in benefit payments to policyholders. 15% bonus opportunity, Select: The Index is comprised of a number of constituents, some of which are owned by entities other than PIMCO. Monthly insurance cost charge: An insurance cost charge will be deducted every month on the monthly anniversary and is based on factors such as age, gender, risk class, and death benefit amount. Allianz Life Pro+ Fixed Universal Life Insurance is the main life product for individuals. Allianz offers fixed index universal life (FIUL) insurance, a type of permanent insurance that offers a death benefit for as long as your policy remains in force – typically that’s the rest of your life, assuming you pay the proper premium payments. The Russell 2000 is constructed to provide a comprehensive and unbiased small-cap barometer and is completely reconstituted annually to ensure larger stocks do not affect the performance and characteristics of the true small-cap index. Not all bonuses guarantee that a policy will be credited with an interest bonus every year as some are based on the growth of an index. The maximum discount factor is determined by the life expectancy of the insured and the discount factor at the time of acceleration. Compared to the Life Pro+ Elite, there have been a few key changes and additions. It does have a death benefit, which I like as I have two kids. If a policy is a modified endowment contract (MEC), policy loans and withdrawals will be taxable as ordinary income to the extent there are earnings in the policy. Life Pro+ Advantage provides flexibility and access to the cash value via policy loans and withdrawals 3 while the insured is living. There are three separate annual fees associated with the Allianz Index Advantage Variable Annuity: a 1.25% product fee, a $50 contract maintenance charge and a … Life Pro+ Advantage offers enhanced flexibility and control, including multiple ways to access available cash value via policy loans and withdrawals1 and the unique index lock feature that provides the ability to lock in indexed interest credit at any point during the crediting period, prior to the policy anniversary2. Minimum death benefit on the insured begins at $100,000, with a $65,000,000 maximum death benefit (subject to limitations). Allianz products are not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in Allianz products. Allianz Life Pro+ Advantage SM Fixed Index Universal Life … Allianz Pro Life Advantage. Asset charge: 1% annual asset charge if Select indexed allocations are chosen. You must be age 80 or younger to purchase Life Pro+ Advantage. The Bloomberg US Dynamic Balance II ER Index is comprised of the Bloomberg Barclays US Aggregate Custom RBI Unfunded Index and the Bloomberg US Equity Custom Futures ER Index and shifts weighting daily between them based on realized market volatility. THIS is THE BEST Kept Secret in the Industry This trademark has been licensed for use by S&P Dow Jones Indices LLC and its affiliates. There are a variety of indexed allocations available – including some that offer the opportunity for bonus potential (see next section). The Product is not sold, sponsored, endorsed or promoted by PIMCO or any other party involved in, or related to, making or compiling the Index. Monthly expense charge: The expense charge is a per $1,000 charge of your policy’s specified amount, and is based on factors such as the insured’s gender, age, specified amount, and risk class. How much indexed interest your policy can earn may be limited by a cap. “We are also focusing on providing top-notch education to the financial professional to help ensure they have a good understanding of AG 49 A and how it could impact the way FIUL policies are sold.”. • Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF, Products are issued by Allianz Life Insurance Company of North America, PO Box 59060, Minneapolis, MN 55459-0060. Medicare crisis solved?! To explore which allocations you may want to consider based on your perspective on equity markets, market volatility, and interest rates, try our Allocations Insights Tool. In addition to providing death benefit protection, the new product features also provide more options for clients and new sales tools for the financial professionals who sell the … The participation rate determines how much of the percentage of indexed growth for an index option we use to calculate any indexed interest we credit to a life insurance policy. • Bloomberg US Dynamic Balance II ER Index: Shifts weighting between several indexes daily The S&P 500® Index (S&P 500®) is comprised of 500 stocks representing major U.S. industrial sectors. A provider of fixed index annuities, Allianz Life is part of Allianz SE, a global company involved in the financial services industry with over 142,000 employees in more than 80 countries. You should consult with your tax advisor. For more details on allocation options, see our Allocation Guide brochure. This policy provides coverage and features comparable to Allianz’s other Life Pro series policies and is specifically designed for long-term asset protection. Bonuses all begin in policy year one and are available with three of our index options shown below. You can learn more about bonus opportunities further down the page. Agents coming here are finding a career and life filled with purpose, meaning and gratitude. Description. Allianz Life Pro Plus. In addition to providing death benefit protection, the new product features also provide more options for clients and new sales tools for the financial professionals who sell the policy. See how simplicity Group is helping its Agents meet with more clients Company greatest! All market environments first policy year individual Life Insurance with the simplicity of a benchmark rate warranties of or. Product profile for details on allocation options, see the product two individual Life Insurance is in good with. 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